Regulatory
STX Lending is committed to full regulatory compliance. Below you’ll find our company licensing information, individual loan officer credentials, and links to verify our credentials through the NMLS Consumer Access portal.
Company NMLS ID
#222982
Verify our credentials through the Nationwide Multistate Licensing System (NMLS) Consumer Access portal. NMLS is the system of record for mortgage industry licensing.
Legal Entity Name
Neighborhood Loans, Inc. (dba STX Lending)
Company NMLS ID
#222982
Principal Office
1846 N Loop 1604 W, Ste 205 | Office 203
San Antonio, TX 78248
Neighborhood Loans, Inc. (NMLS #222982) — Licensed in 8 states
| State | License Type | License # | Regulator |
|---|---|---|---|
CACalifornia | Residential Mortgage Lending Act License | 222982 | California Department of Financial Protection and Innovation |
COColorado | Mortgage Company Registration | 222982 | Division of Real Estate |
GAGeorgia | Residential Mortgage Licensee | 222982 | Georgia Department of Banking and Finance |
ILIllinois | Residential Mortgage Licensee | MB.6759826 | Illinois Department of Financial and Professional Regulation |
MAMassachusetts | Mortgage Lender and Broker License | MC222982 | Massachusetts Division of Banks |
MSMississippi | Mortgage Lender License | 222982 | Mississippi Department of Banking and Consumer Finance |
PAPennsylvania | Mortgage Lender License | 222982 | Pennsylvania Department of Banking and Securities |
TXTexas | Licensed Mortgage Company | 222982 | Texas Department of Savings and Mortgage Lending |
Branch NMLS #2774284 — 7 active state registrations
| State | Branch License Type | Status |
|---|---|---|
AZArizona | Mortgage Banker Branch License | Active |
CACalifornia | Residential Mortgage Lending Act License (Branch) | Active |
FLFlorida | Mortgage Lender Branch License | Active |
OROregon | Mortgage Lending Branch License | Active |
SCSouth Carolina | Branch Mortgage Lender/Servicer | Active |
TXTexas | Mortgage Banker Branch Registration | Active |
WAWashington | Consumer Loan Branch Office License | Active |
For the most current licensing information, visit the NMLS Consumer Access portal.
Benjamin Gheliuc
Also known as: Ben Gheliuc
Branch Manager / Loan Originator
Licensed in 10 States
Benjamin Gheliuc (NMLS #1775990) — 10 active state licenses
| State | License Type | Status |
|---|---|---|
AZArizona | Loan Originator License | Active |
CACalifornia | Mortgage Loan Originator License | Active |
FLFlorida | Mortgage Loan Originator License | Active |
GAGeorgia | Mortgage Loan Originator License | Active |
ILIllinois | Mortgage Loan Originator License | Active |
MIMichigan | Mortgage Loan Originator License | Active |
OROregon | Mortgage Loan Originator License | Active |
SCSouth Carolina | Mortgage Loan Originator License | Active |
TXTexas | Mortgage Loan Originator | Active |
WAWashington | Mortgage Loan Originator License | Active |
Neighborhood Loans, Inc. (dba STX Lending) is an Equal Housing Lender. We fully comply with the Equal Credit Opportunity Act (ECOA) and all other Federal regulations. All applicants applying for credit will never be discouraged on the basis of race, color, religion, national origin, orientation, identity, sex, military status, marital status, age, or because you receive public assistance.
For more information on the ECOA, please visit: ftc.gov
STX Lending complies with the Truth in Lending Act (TILA) and Real Estate Settlement Procedures Act (RESPA) requirements. We provide borrowers with a Loan Estimate within 3 business days of receiving a completed loan application and a Closing Disclosure at least 3 business days before closing.
CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY REGARDING THE ORIGINATION AND/OR SERVICING OF YOUR MORTGAGE LOAN OR A COMPLAINT AGAINST A RESIDENTIAL MORTGAGE LOAN ORIGINATOR CONCERNING RESIDENTIAL MORTGAGE LOANS ON REAL ESTATE LOCATED IN TEXAS SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT (877) 276-5550.
THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.
Licensed by the California Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act.
Regulated by the Division of Real Estate.
Illinois Residential Mortgage Licensee. Illinois Department of Financial and Professional Regulation, 100 W Randolph St, 9th Floor, Chicago, IL 60601 — (888) 473-4858.
State of Illinois Community Reinvestment Notice: The Department of Financial and Professional Regulation (Department) evaluates our performance in meeting the financial services needs of this community, including the needs of low-income to moderate-income households. The Department takes this evaluation into account when deciding on certain applications submitted by us for approval by the Department. Your involvement is encouraged. You may obtain a copy of our evaluation. You may also submit signed, written comments about our performance in meeting community financial services needs to the Department.
Illinois Department of Financial and Professional Regulations — James R. Thompson Center, DFPR-Residential Mortgage Banking, 100 W. Randolph, 9th Floor, Chicago, Illinois 60601 — (844) 768-1713 — License #: MB.6759826
Licensed by the Pennsylvania Department of Banking and Securities.
STX Lending collects and reports Home Mortgage Disclosure Act (HMDA) data as required by federal law. HMDA data is used to determine whether financial institutions are serving the housing needs of their communities and to assist in identifying possible discriminatory lending patterns.
Neighborhood Loans, Inc. (dba STX Lending) is a licensed mortgage lender — NMLS ID 222982. The total finance charges may be higher over the life of the loan on refinances. All loans are subject to credit approval and property appraisal. Programs, rates, terms, and conditions are subject to change without notice. Not all products are available in all states.
If you have questions about our licensing, regulatory status, or need to verify our credentials, please contact our compliance team:
Email: compliance@stxlending.com
Phone: (210) 750-6164